SpendBalance vs Sinkstack

SpendBalance shows you where your money goes, without the setup. Add a purchase in two taps. Set rent, subscriptions and allowances once and they track themselves — daily, weekly or monthly — so you only log what you actually choose to spend. Everything stays on your iPhone. No account, no sign-up, nothing collected. WHAT YOU GET - Two-tap entry — log a purchase in seconds - Recurring transactions — set repeating income and expenses once and let them run daily, weekly or monthly - Four dashboard widgets — month's overview, balance trend, budget situation and spending split - 38 categories in groups like Campus Life, Food & Social and Personal Wellbeing — pick the 7 that matter to you - Day, week, month and year views - 66 currencies - Custom colours and a dashboard you arrange yourself - Dark mode, following your system setting HOW IT WORKS SpendBalance doesn't connect to your bank. You enter what you spend, which takes a couple of seconds — and means the app works with any bank in any country, and that your financial data never leaves your device. Recurring items handle the predictable spending on their own. Start in under a minute. No sign-up screen, nothing to connect.

Payday Bridge projects a dated cash pool so you can see shortfalls before payday, even when the period ends with money left over. HOW IT WORKS 1. Open Payday Bridge from the dashboard. Enter an opening cash amount, desired buffer and 1–90 day horizon, or explore the labeled example. 2. Add dated income and payments. Mark uncertain income, then compare the entered baseline with uncertain income excluded or all paydays delayed by up to 14 days. 3. Inspect the lowest daily closing balance, same-day posting-order sensitivity and exact daily ledger. Save the plan and share its dates and assumptions. Envelope tracking, recurring schedules, Funding Calendar, paycheck allocation, catch-up planning, statements and existing scenario tools remain available. Saved plans preserve exact cents; failed writes keep the previous in-memory state and corrupt files are preserved. WHAT TO KNOW Manual USD planning for one cash pool, with up to 200 entries per plan and 50 saved plans. Amounts are stored as integer cents. Payments-before-income assumes all same-day outgoings precede incoming cash; actual posting order is unknown. Delayed income beyond the horizon is reported separately. No bank account is connected and no payments or envelope-balance changes occur. Include all obligations and avoid counting envelope transfers and their eventual bills twice. iPhone and iPad.